This might include a written list, but the best type of home inventory is a video recording. When you buy homeowners insurance, and anytime you make a substantial purpose, you need to make a home inventory. Because these receipts are so important, it is a good idea to keep them in a safe place such as a home safe or a safe deposit box at a financial institution. Being able to document when you bought the item and what you paid for it will help you get the claim settled faster. If you have the original receipts for items that are damaged, include copies of them with your insurance claim. ![]() Most insurance companies will send out an adjuster to make their own estimates, but this does not mean you have to accept the estimate given by the adjuster. Even if you are planning to do the repairs yourself, these estimates will be used to determine the amount of the claim. Get repair estimates from 2 or 3 different contractors. Failure to perform emergency repairs could result in your claim being denied or reduced. Emergency repairs include covering a hole in the roof, boarding over damaged doors and windows, and take any additional steps that are needed to prevent the damage from getting worse. Enter your zip code now to compare rates from the best insurance providers and secure the comprehensive coverage you need.Įven before you start the process of filing a homeowners insurance claim, take immediate steps to prevent the damage from getting worse. Don’t settle for less than what you deserve-take control of your insurance claims. Whether you’ve experienced a natural disaster or an unfortunate accident, understanding how to effectively document the damage is crucial to maximizing your claim settlement.īy following these expert tips, you can ensure a smoother claims process and protect your financial interests. ![]() Welcome to our comprehensive guide on documenting damage for homeowners insurance claims.
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